3821 Bay Leaf Way, Oceanside, CA 92057 Property Records

San Diego County property record for 3821 Bay Leaf Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,050 sqft · built 1975
Lot Size	0.37 acres (1,617 sqft)
Owner	2 Company Names on Record
Last Sale	$515,000 (May 2025)
Tax Bill	$2,955 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`160-421-14-00`

Property Details

APN / Parcel Number

Primary APN	`160-421-14-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	1,617 sqft (0.37 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3821 BAY LEAF WAY
City	OCEANSIDE
State	CA
Zip	92057-8307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 100&UND 1/126 INT IN LOT 127&ALL TR 007857
Legal Subdivision	OCEANA EAST 01
Legal Tract	007857
Legal Block	1
Legal Lot Number	100,1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1010
Census Tract	18512

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3821 BAY LEAF WAY, OCEANSIDE, CA 92057-8307
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Aug 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on Record
Deed Sale	May 9, 2025 · Amount on Record
Prior Sale	Feb 6, 2007 · Amount on Record
Deed Document Number	2025123460
Prior Transfer Date	Aug 26, 2019
Prior Transfer Doc	0000374654
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3821 BAY LEAF WAY, OCEANSIDE, CA 92057-8307
Transaction Type	Mortgage
Record Updated	Feb 5, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 BAY LEAF WAY, OCEANSIDE, CA 92057-8307

Mortgage

Document Number	0000024413
Date	Jan 28, 2026
Instrument	2026-0024413

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2019
Property Address	3821 BAY LEAF WAY, OCEANSIDE, CA 92057-8307
Document Number	0000374654
Instrument Date	Aug 26, 2019
Instrument	374654
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 BAY LEAF WAY OCEANSIDE CA 920578307, OCEANSIDE, CA 92057-8307

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$525,300 (+95.99%) Land $408,000 Building $117,300
2025	$2,955.00 (+5.35%) Homeowner's exemption	$268,020 (+4.04%) Land $53,270 Building $214,750
2023	$2,805.00 (+1.59%) Homeowner's exemption	$257,614 Land $51,202 Building $206,412
2022	$2,761.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 512 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: GeoLinks.

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